#UBPR
Articles tagged with "UBPR"
De Novo Banks: How to Analyze a Bank With No Track Record
From 2010 through 2017, new bank charters in the United States nearly stopped: only about 30 opened in eight years, and just 15 after …
Bank M&A Analysis: How to Evaluate a Deal from Call Reports
The U.S. had more than 15,000 FDIC-insured banks and thrifts in 1990. It has about 4,300 today. That contraction (mostly mergers, some failures) happened …
Allowance Coverage Ratio: How to Judge Reserve Adequacy
A bank can hold $50 million in reserves and still be dangerously thin. The dollar figure is nearly meaningless without context: specifically, what those …
Net Non-Core Funding Dependence: What It Measures
The funding-mix measures that flag a bank's reliance on non-core money are computed every quarter and published in its UBPR. In the failures of …
How to Read Schedule RC-C: The Loan Portfolio Breakdown
At the average community bank, commercial real estate loans now represent roughly 40–45% of total loans, and in many $500M–$2B institutions that number runs …
Interest Rate Risk and Duration in Banks Explained
At the end of 2022, U.S. banks were sitting on roughly $620 billion in unrealized losses on their securities portfolios, the product of buying …
Why TCE and Regulatory Capital Disagree: Lessons From 2023
This post is about why tangible common equity can disagree with regulatory capital.
Bank Failures and the FDIC Problem Bank List
Silicon Valley Bank had a tangible common equity ratio that had been declining for six quarters before March 2023. The concentration in long-duration securities …
Provision for Credit Losses: Why It Moves Bank Earnings
In Q1 2020, U.S. banks booked a combined $52.7 billion in provision for credit losses, nearly four times the prior-year quarter (FDIC Quarterly Banking …
Deposit Beta & Cost of Funds: What Bank Analysts Measure
Between Q1 2022 and Q4 2023, the Fed funds target rate rose 525 basis points. The median community bank saw its cost of funds …